Protect and Insulate

Protect your brand and your customer’s sensitive cardholder data. Insulate your business from hackers and malicious activity today!

Security Matters

Receiving sensitive card holder information online, through fax, scanning, emails and over the phone will expose you and your customers to a much higher risk associated to breaches, fraud and PCI fines. Protecting cardholder data can be an arduous task for any business. Storing card holder data within your corporate infrastructure, through credit card forms and documents often exposes your customer’s card data multiple times to dozens of individuals throughout the life of a transaction. This can create dozens of PCI compliance issues and make your organization vulnerable to a breach.

The fines and penalties that businesses face today are substantial. Fines related to cardholder breaches are devastating. With industry averages climbing over $50,000 in 2014, more and more small businesses are finding themselves in jeopardy of losing their business due to these fines from the major cardholder brands. Significantly reduce your PCI scope by simply removing this data from your environment today. Reduce your businesses liability associated to any kind of breach.

With the implementation of EMV in the US and the fraud liability taking place in October, online fraud is predicted to triple. Unfortunately, due to the high costs of security products and resources to mitigate risks, small and mid-size businesses will continue to be the focus for online fraud. Don't give hackers and thieves anything to look at by removing this data today!


  • Built on 4096 bit encryption
  • 2X The current security standards
  • Latest security protocols
  • Proactive Fraud Monitoring
  • Full Encryption & Tokenization
  • Fully Encrypted & Redundant Data Bases
Security Matters

How it Works

paymentLOCK was built to deliver speed and simplicity to every transaction. We believe that any type of business should be able to accept payments anytime, anywhere while leveraging any web based application. Now you can.

paymentLOCK is truly easier than sending an email or text message.

Purchase inquiries to your business via website, telephone or email can be securely processed through paymentLOCK in just a few minutes. No more scanning, faxing, printing and unwanted phone calls between clients. No more waiting hours or days for your business to get paid. Take control of your payments in real-time.

  1. By simply entering the client’s cell phone or email and clicking send, a secure link is sent to your merchant.
  2. Your client will open the secure link and fill out a short cardholder form. After securely submitting this form it is sent back to your paymentLOCK dashboard pre-authorized and ready for billing. It's that easy!

Empower your business with the ability to see all transactions in real-time. Bill for your services in real-time, add additional services, gratuity, refunds, pre-booking charges, and create custom automated invoicing.

Our goal is to help your business create a great customer experience through every transaction while giving your business and your customer the security and peace of mind they deserve.

Customize It

paymentLOCK is made for you to own it, customize it and create the customer experience that you want through each transaction. We’re not asking you to write API’s or code. We've done all the heavy lifting for you. No more third party payments with little to no visibility and extremely high rates.

Our custom settings let you drag and drop your logo’s and customer fields, delivering a stronger brand and better customer profile. Immediately learn more about your customer, offering better data analytics to your sales and marketing team with real time purchasing information. Invoicing and signature capture give accounting what they need. We also directly import to QuickBooks for simplicity.

Easily search customer transactions, create reports and see all your transactions in real time. Allow your field sales reps to use our mobile application to pre-authorize customers for immediate service or pull up existing pre-authorized customers to bill after services are completed.

Industry Verticals

To date, we haven’t found a vertical that isn’t right for paymentLOCK. If you take cardholder information outside of a direct fixed terminal at your business then paymentLOCK is right for you.

We continue to be surprised with the different verticals and solutions our customers are coming up with to use paymentLOCK. Below are some highly adopted examples.

Hospitality Vertical

Marketing, Sales, Catering, Restaurant, Nightlife, Reservations, Refunds

Medical, Dental & Hospital

Medical Device Merchant Orders, Clinical Billing, Recurring Patient Billing

Restaurant, Bar & Nightlife

Group Billing & Sales, Table Service, Takeout Ordering


Online Reservations, Parking

We support your business 24/7

Our technical software team is here to help you through our 24/7 support portal. Giving you and your team the most updated information about paymentLOCK, whats trending and live blogs and information from other paymentLOCK users. We make on-boarding easy and we are always here to help.


What We're Up to

Processing millions in transactional volume with 0 fraud

Hundreds of users within dozens of verticals

Tons of positive feedback – Thank you!

New release of our proactive Data Fraud Analytics integration

Developing more custom vertical templates for more options to your customers out of the box.


Q: What are the system requirements for paymentLOCK?

A: The paymentLOCK application can run on any computer with an internet connection and supports the following browsers

Browser Comments
Google Chrome™, most recent stable version Google Chrome applies updates automatically; paymentLOCK makes every effort to test and support the most recent version. There are no configuration recommendations for Chrome.
Mozilla® Firefox® , most recent stable version paymentLOCK makes every effort to test and support the most recent version of Firefox
Microsoft® Internet Explorer® versions 9, 10, and 11 If you use Internet Explorer, we recommend using the latest version that paymentLOCK supports. Apply all Microsoft software updates.
Apple® Safari® versions 5.x, 6.x and 7.x on Mac OS X There are no configuration recommendations for Safari.
iOS® Safari® versions There are no configuration recommendations. For security reasons, please do not use on a phone that has been jailbroken.
Android® Browser versions There are no configuration recommendations.
Windows Mobile® versions There are no configuration recommendations
NOTE: For all browsers, you must enable JavaScript, cookies, and TLS 1.0

Q: Can I call someone at paymentLOCK?

A: We don't have phone support, but please don't take this as a lack of interest! We'd love to help you. Many of the answers to your question can be found in this support site. If you still need help after reviewing this content, please send us an email.

Q: How soon can I issue a refund after I charge a card?

A: Generally, this will be 24 hours after the customer card has been charged. This is due to the fact that the transaction needs to be “batched’.

Q: Why was my customer’s charge declined?

A: Declines happen for many reasons. The fraud signals banks use vary, so a previously successful card might later be declined.

Q: How do I upgrade my version of paymentLOCK from basic to business?

A: You can easily upgrade your version of paymentLOCK by going to the following settings:
Settings -> Upgrade and follow the directions for payment information to upgrade your version

Q: How can I add additional user licenses?

A: You can add up to 25 additional user licenses your version of paymentLOCK by going to the following settings:
Settings -> Upgrade and follow the directions for payment information to upgrade your version

Q: Why is there an extra $.01 charge on my customer's statement?

A: If a card is being stored so that it can be charged later, we send a request to the bank for a $.01 authorization for verification. Then, we reverse our authorization request immediately. It can take a bank anywhere from 1 to 3 days for the charge to be removed.

Q: I forgot my password. How do I reset it?

A: Click on forgot password to reset your password

Q: How do I change my password?

A: You can change your password from your settings page. Click on “Change Password”

Q: How do I send my customer a receipt?

A: E-Mail receipts are automatically sent to the customer for any charge or refund through paymentLOCK.

Q: How do I get a balance report?

A: Need your balance at the start or end of a month? Go to the report page and download the Monthly Report.

Q: Can I export my transactions to Quickbooks?

A: Yes. Basic package allows you to export to excel or cvs. However, the business version allows export of the transactions in native Quickbooks format.